Tianxia Golden Bull Square.

Bentley Mulsanne and two Escalades were parked downstairs.

Chen Dongcheng, who got out of the car, took Xie Jingyu and them into the office building.

Tower A, 36th and 37th floors.

As an Internet bank with a start-up capital of up to 3 billion, Micro Heavy Bank has a lot of money.

Renting a two-story office building is just a small meaning.

The short front desk girl at the door looked at Chen Dongcheng and them, and asked dutifully, "Hello, do you have an appointment?"

"This is Chairman Chen, so you don't usually remember the information of the directors. ”

Another tall man counted a few words from the short girl at the front desk, and hurriedly bowed down to apologize for her.

"Chairman Chen, I'm very sorry, Xiaoying just came here and is not very familiar with you, so I will take you to the chairman's office. ”

Chen Dongcheng was not going to compete with a front desk, and corrected: "Take me to the president's office." ”

The girl at the front desk paused for a moment, nodded and said, "Okay." ”

To say that at the beginning of the establishment of Weizhong Bank, Chen Dongcheng did not pay much attention except for giving money.

He has no connections in the financial sector, suggesting that it is unrealistic for him to reach out to experienced executives.

Tengxun is not much better, which leads to the fact that there are now seven Kang'an executives in the micro heavy bank, and you must know that there are eleven executives in total.

As a major shareholder, Tengxun completed an exchange of interests with Kang'an.

The high-level is dominated by the Kang'an department, and the middle-level and developers are all Tengxun.

The two can be regarded as working together to do a good job in the Internet banking project.

They were comfortable, but the governor Cao Tong was uncomfortable.

At the beginning, he was full of confidence and broke away from China Merchants Bank, and did not hesitate to give up his bureau-level identity.

Now that he is in a quagmire, after thinking about it, Cao Tong plans to meet Chen Dongcheng.

Within the bank, many executives are curious about this mysterious shareholder.

"Knock knock. ”

There was a knock on the door, and Cao Tongshen in the house said in a deep voice: "Come in." ”

The front desk led Chen Dongcheng into the house and closed the door.

What is said in it is not something that a little person like her can listen to.

Cao Tong is a young man among the bankers, and he is only 47 years old this year.

He took the initiative to contact Chen Dongcheng, which was a very subtle move.

"Chen Dong, I have admired your name for a long time, and when I saw it today, it was indeed a young talent. ”

Cao Tong smiled and stretched out his hand, and the words of praise came casually.

"Cao Xing has a good reputation. ”

Chen Dongcheng replied politely, sitting on the sofa and watching Cao Tong's performance.

Cao Tong was not in a hurry to talk about things, and began to make tea and talk about some things about the recent Weizhong Bank.

Regarding these, Chen Dongcheng has been paying attention.

Chen Dongcheng's think tank will also continue to analyze the current information of the micro weight bank.

Determine whether there is room for upside in order to sell in time and get the maximum profit.

"Chen Dong, about the interior of the micro heavy bank, I think you should also know a thing or two, I have a bit of a conflict with the concept of the Kang'an department. ”

Cao Tong finally cut to the point, vaguely tentative.

Chen Dongcheng gently sipped the tea, figured out what Cao Tong meant, and asked, "What does Cao Xing mean?"

"Your shareholding is no less than that of Fuji Xun, and I want you to be on my side when you need to vote at certain times. ”

Chen Dongcheng's eyes narrowed slightly, this Cao Tong was very restless.

Weizhong Bank was established by the Kang'an Department, and Cao Tong was just a president who was most in line with the concept of Tengxun and Kang'an after many screenings.

Not long after joining the company, Cao Tong has already begun to plan to further divide the rights, which is indeed ambitious.

In history, it didn't take long for this person to be overtaken by the Kang'an Department and ended up being swept away.

Kang'an finally took over the power, and WeBank also successfully ran in, which was very good.

Chen Dongcheng needs to consider a lot, if he supports Cao Tong, will it affect the future development trend of WeBank?

A super unicorn with a valuation of tens of billions of dollars naturally can't withstand a little wind and waves.

However, to say that the development of micro heavy banks is so smooth, it must be inseparable from the support of Tengxun.

The huge number of social users alone is enough to eat a few years of micro heavy banks.

Cao Tong was very patient, and there was no trace of impatience on his face.

This kind of calmness, without decades of workplace experience, cannot be honed.

"I'll think about it. ”

Cao Tong was overjoyed, and his face quietly filled the tea for Chen Dongcheng again.

"Don't worry, my run-in with the Kang'an Department will continue for a while, I just want to ask myself for a talisman. ”

The composition of equity within the bank is very interesting, and it is likely that Tengxun may play a neutral role in many cases.

If Kang'an deliberately excluded him, Cao Tong would be difficult to handle.

Think about the eleven internal executives, seven of them are Kang'an.

How difficult will it be for Cao Tong to send out the order smoothly?

Leaving Cao Tong's office, the front desk invited Chen Dongcheng to the chairman's office.

Gu Min, who has a background in Kang'an, said enthusiastically: "Chairman Chen, I just have business to report to you, and we are currently ......."

Chen Dongcheng had learned some information about Gu Min before, and Gu Min was a professional manager who was dug up by Kang'an outside.

Since I have entered the Kang'an department, the background of the Kang'an department is certain.

Gu Min and Cao Tong are both very young, and they both want to do a good job in the micro bank.

But there's a question involved, who says the best thing?

Cao Tong has always wanted to reverse this situation, and Gu Min naturally does not want to give up power.

Tengxun and Kang'an have a delicate relationship, and they share the cake with each other, leaving limited space for Cao Tong.

Chen Dongcheng thought about these things quickly in his mind, and asked, "I heard that after the micro loan was launched, the performance was not good?"

Gu Min replied: "From our establishment to the present, the first product to be launched is WeLoan. ”

"Tengxun is more conservative about micro loans, we currently only lend 7 billion, the loan balance is 3 billion, and the cumulative credit users are about 350,000. ”

This percentage is indeed a bit low, if you follow the development model of traditional banks.

A micro-heavy bank with a registered capital of up to 3 billion yuan can do business of 30 billion yuan through 10 times leverage.

It's just that this model is too risky, and Gu Min doesn't want to use this model completely.

Otherwise, the name of the Internet bank is in vain.

The loan amount of many village and township banks is higher than that of today's micro banks.

Chen Dongcheng shook his head and said: "It's too little, you should take a bigger step." ”

"Chen Dong, we also want to, but you know, we are stubborn in many ways, and it is very difficult to reach a consensus. ”

Gu Min means to work steadily and steadily, and first run in the team almost before talking.

Chen Dongcheng was noncommittal, sat for a while and left Gu Min's office, and made an appointment with Cao Tong to have lunch at noon.

After finding a Chinese restaurant nearby, Cao Tong also heard that Chen Dongcheng went to Gu Min's office, but he didn't think Chen Dongcheng would support the Kang'an department.

Chen Dongcheng ate the food, and suddenly said: "Now that Kang'an has monopoly power, are you sure that the decree will be issued and executed?"

"It's okay, it's just some daily affairs, and some listen to the tune and don't listen to the announcement. ”

"If the decree I propose is in line with the development of the company, Fuji Xun will definitely be on our side. ”

Cao Tong hurriedly replied, vaguely aware of some of Chen Dongcheng's meaning.

Chen Dongcheng nodded and asked, "I have an idea, you might as well listen to it." ”

"You say, I'm listening. ”

Cao Tong put down his chopsticks and listened intently.

"Compared with traditional banks, micro-heavy banks are unable to absorb deposits, which is an inherent defect. ”

"It also means that we can't lend with our deposits and earn spreads. ”

Cao Tongzhi nodded and sighed: "What you said is that the remote face recognition account opening technology has not been perfected, and we can only rely on other traditional banks. ”

Chen Dongcheng continued: "As far as I know, many city commercial banks are constrained by policies and cannot open outlets across provinces. ”

"If we talk to them about working with them, they're responsible for the funding.

We are responsible for selecting credit users who meet the requirements and giving them interest shares, do you think they will agree?"

Cao Tong suddenly slapped the table excitedly: "This idea is very good, I'm sure they will be tempted." ”

To put it simply, this is the mode of making money lying down.

It is precisely because of the rapid development of micro-heavy banks that it is in this way.

Chen Dongcheng looked at Cao Tong, who was excited, and said with a smile: "I call this model a joint loan." ”

"We co-finance with funders to alleviate their investment concerns. ”

"But we contribute a small percentage of the investment, and the funders make up the lion's share. ”

"We take care of risk control, and if there is a default, we are willing to take the risk. ”

"As for the return to the funders, I think they should be very happy with the 6-7% interest range. ”

Cao Tong listened very carefully, and his eyes were full of brilliance.

It was the first time he had heard of such a novel pattern.

Isn't this exactly the way they have been looking for Internet banking, not the traditional model of absorbing deposits and lending loans?

Backed by the aircraft carrier of Tengxun, Microweight Bank has a natural advantage.

At present, more than 30 million whitelisted users have obtained credit.

The so-called whitelist user means that as long as the user has the behavior of inquiring about the quota, the micro heavy bank will obtain the user's credit report from the central bank in the name of applying for a loan.

Although this model is a bit unauthentic, it is very helpful in reducing bad debts.

In addition, for those who are in urgent need of a loan, it is not particularly difficult to resist by investigating their own credit.

Chen Dongcheng told Cao Tong about this model, which should have been realized by Weizhong Bank in two years, which can be regarded as changing Cao Tong's fate.

There is no doubt that this model will definitely be adopted.

Since Cao Tong proposed this model, it should not be a problem to gain the dominance of this model.

Cao Tong and the struggle between several banking departments and Kang'an departments may be more protracted.

Proper infighting is conducive to the progress of the company.

On the contrary, it is a false image of harmony that is easy to die.

Cao Tong discussed the specific details with Chen Dongcheng carefully, took the initiative to pay after eating, and returned to Weizhong Bank in a hurry.

With Chen Dongcheng's plan, Cao Tong was not in a hurry to hold a meeting.

Instead, he began to use his connections to communicate with many city commercial banks.

For a while, Gu Min couldn't figure out Cao Tong's intentions, and seemed to be making some big moves.

A week later, Cao Tong proposed to convene a board meeting.

All directors attended, and among the senior executives, only President Cao Tong and Chairman Gu Min were eligible to attend.

The remaining three independent directors and the representatives of the three shareholders of Tengxun.

The bigwigs gathered at the scene, shook hands with each other and talked a few words, and Cao Tong reported.

"Ladies and gentlemen, the main purpose of this meeting of the board of directors is to discuss the future development model of Weizhong Bank, and I hope that the directors will comment on it. ”

I have to say that Cao Tong does have a few brushes.

can stand out from many candidates for president, eloquence, and ability are all top-notch.

Gu Min frowned, listening to Cao Tong's narration, his expression became more and more ugly.

Cao Tong slightly polished the model that Chen Dongcheng told him that day and told all the directors.

The people who can sit here are all people with super intelligence and wrists, and almost immediately know that this model has a lot to offer.

But the subtle thing about the atmosphere is that this model was proposed by Cao Tong.

You must know that inside the micro heavy bank now, Gu Min and their Kangan department have monopoly power.

Cao Tong is now proposing such a very promising model, which immediately puts Kang'an in a disadvantageous position.

Cao Tong coughed lightly and looked at the middle-aged man on his right: "Lin Dong, what do you think?"

Chen Dongcheng glanced at Lin Li, the person in charge of the Liye Group had an extraordinary relationship with the Kang'an family.

Lin Li said with a smile: "Very good, it seems that Teng Xun and Gu Dong are very wise to choose Cao Xing as the helmsman of Weizhong Bank." ”

It seems to be a compliment, but it is actually a knock.

Lin Li pointed out that Cao Tong was the agent selected by Gu Min.

Cao Tong wants to bring down the Kang'an system, but it's still far away.

Cao Tong was unmoved, he knew that Lin Li, the old fox, was not so easy to handle, and looked at Zhu Baohua: "Dong Zhu, what is your opinion?"

"Me, as long as I can make money, that's a good model. ”

Zhu Baohua is the first to slip, he is the actual controller of Baiye Yuan.

The shareholding ratio is the same as that of Liye Group, which is 20%.

Chen Dongcheng doesn't need to ask, this is the model he proposed, and he will definitely be on his side.

Zhu Baohua is neutral.

Only Lin Jinghua of Tengxun was left without expressing his position.

Tengxun is of great significance to Weizhong Bank, far more than other shareholders.

If it weren't for the policy, a single shareholder would hold a maximum of 30% of the shares, how could Chen Dongcheng have the opportunity to sit here.

Lin Jinghua's expression changed, obviously weighing the pros and cons.

The atmosphere in the conference room froze for a while, and after a long time, he said slowly: "This attempt, you might as well let Cao Xing take the lead, and we will fully cooperate with you." ”

When Teng Xun speaks, it represents the weather vane.

At the end of the day, everyone invests to make money.

At present, there is such a good model, and Tengxun will definitely strive to maximize profits.

As for the little fight between Cao Tong and Kang'an, he is completely under control.

At the end of the meeting, many people who were guarding outside noticed a picture that will last a lifetime.

Cao Tong walked out of the conference room with a smile on his face, followed by Gu Min with a gloomy face that could drip water.

The faces of the other directors also had different expressions.

Unconsciously, all employees have a premonition that a storm is coming.

Cao Tong's phased victory can be regarded as temporarily suppressing the arrogance of the Kang'an department.

Chen Dongcheng hugged several banking departments without any surprises.

Kang'an is dominant, and if he wants to ensure the right to speak, it is inevitable to hold each other.

For Chen Dongcheng, appropriately restricting the Kang'an system is only good for him, not harmful.

In short, Chen Dongcheng did not allow anyone to ruin his fortune plan.

The reason why he took the initiative to give Cao Tong an idea is not because the bank has taken many detours in its history.

Chen Dongcheng didn't have the patience to wait for the micro heavy bank to develop slowly and leisurely, and make great strides forward, which was in line with his plan for the micro heavy bank.

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